Mastercard Guide to Benefits for Debit Cardholders

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Mastercard Guide to Benefits for Debit Cardholders Mastercard® Guide to Benefi ts for Debit Cardholders RBFCU Debit Mastercard Important information. Please read and save. This Guide to Benefi ts contains detailed information about insurance, retail protection and travel services you can access as a preferred cardholder. This Guide super- sedes any guide or program description you may have received earlier. To fi le a claim or for more information on any of these services, call the Mastercard Assistance Center at 1-800-Mastercard: 1-800-627-8372, or en Español: 1-800-633-4466. “Card” refers to Mastercard® card and “Cardholder” refers to a Mastercard® cardholder. Key Terms • Medical insurance cards • Drivers’ license Key Terms: • Loyalty cards Throughout this document, You and Your refer to the • Affinity cards cardholder. • Passport number Cardholder means the person who has been issued an account by the Participating Organization for the covered • Vehicle insurance cards card. • Social Security number Covered card means the Mastercard card. To take advantage of this service, the cardholder must enter the personal information they wish to monitor on the Mastercard ID Theft Protection™ dashboard. Resolution Services: You will have access to a team of identity Program Description: theft resolution specialists, available 24 hours a day, 365 Mastercard ID Theft Protection (IDT) provides you with days a year to help resolve your identity theft incident and access to a number of Identity Theft resolution services, prevent further damage. The resolution specialists are native should you believe you are a victim of Identity Theft. This speakers of English, French and Spanish, and are based out product offering will alert you about possible identity theft of Bethesda, Maryland. Cardholders are given the option to by monitoring the surface, dark and deep web, searching for sign limited power of attorney (LPOA) to the specialist, to compromised credentials and potentially damaging use of allow them to conduct resolution activities on the cardholders’ your registered personal information in order to detect fraud behalf, including contacting police, credit agencies, and other at its inception. authorities, translating information, and closing and replacing Eligibility: breached accounts. All Mastercard consumer debit cardholders in the US are Lost Wallet Assistance: Cardholder’s will be provided eligible for this coverage. assistance with notifying the appropriate issuing authorities to cancel and replace stolen or missing items, such as their Access: debit/credit card, driver’s license, Social Security card, and Simply contact 1-800-Mastercard if you believe you have passport. been a victim of Identity Theft. Single Bureau Credit Monitoring: Cardholders’ TransUnion Services Provided: credit file will be monitored for changes that could indicate Services provided are on a 24-hour basis, 365 days a year. fraud such as new credit inquiries, an address change or new In order to receive the following services, you must enroll at credit account(s) opened in their name. An alert notification https://mastercardus.idprotectiononline.com/. The services via email will be sent anytime a hard inquiry is made on the include: cardholders’ TransUnion credit file so they can take immediate Online Monitoring Dashboard (requires activation): The action to minimize damage. online monitoring dashboard is the primary user interface To take advantage of this service, the cardholder must enter for cardholders. It serves as a repository of all the personally their Social Security number on the dashboard and pass credit identifiable information (PII) data the cardholder wants authentication. to monitor, tracks and displays cardholders’ risk score, and Financial Account Takeover: IDT monitors cardholder’s high- provides access to identity protection tips. It is also the risk transactions with more than 300 of the nation’s largest platform for cardholders to respond to identity monitoring companies to uncover and thwart account takeover attempts. alerts. Monitored transactions include: Monthly Risk Alert / Newsletter: Cardholders will receive • Debit/credit cards/prepaid cards a monthly newsletter with information on the cardholder’s • Bank accounts risk score, and articles pertaining to good identity protection • Brokerage accounts practices. • Healthcare portals Identity Monitoring: IDT searches the internet to detect • Workplace intranets compromised credentials and potentially damaging use of your personal information, and alerts you via email so that you • Other services (e.g. peer-to-peer fund transfers) can take immediate action. This platform utilizes automated To take advantage of this service, the cardholder must enter monitoring and human threat intelligence from cyber the accounts they wish to protect on the dashboard. operations agents monitoring threat actors and their tactics URL and Domain Monitoring: URL and Domain monitoring on the deep and dark web where personal data is bought and allows Cardholder to enter up to 10 domain or URL names sold. Data elements that can be monitored are: related to cardholder’s business. This service will monitor • Email addresses the domain and URL names for any compromised email • Debit/credit cards/prepaid cards addresses associated with the domain or URL names and if • Bank accounts compromised email addresses are found in a data breach, this service will alert the registered cardholder via email and • Web logins; username and password 2 provide information regarding the specific email address that of Columbia, the U.S. Virgin Islands, and Puerto Rico) and was breached along with information about the date found Canada, call 1-800-307-7309. and source (provided that this information is available). When out-of-country and in need of assistance, you can For more information regarding the services stated above and easily reach a specially trained Mastercard Global Service additional information, please visit https://mastercardus. Representative who can help you 24 hours a day, 365 days idprotectiononline.com/. a year, in any language. You can call toll-free from over 80 Charges: countries worldwide. Some of the key toll-free Mastercard Global Service telephone numbers are: There is no charge for these services, they are provided by your Financial Institution. Australia ..............1-800-120-113 Mexico ..........001-800-307-7309 Austria ................ 0800-070-6138 Netherlands ...... 0800-022-5821 Services NOT Provided: France ..................0-800-90-1387 Poland ............ 0-0800-111-1211 • When it is determined you have committed any dishonest, Germany ............. 0800-071-3542 Portugal ................ 800-8-11-272 criminal, malicious or fraudulent act. Hungary ..................06800-12517 Spain .......................900-822-756 Ireland ..................1-800-55-7378 United Kingdom . 0800-96-4767 • When your financial institution or card issuer which provides Italy ...........................800-870-866 Virgin Islands ....1-800-307-7309 this Service, has investigated the event and deemed you are responsible for the charge or event. For additional information, or for country-specific, toll-free • When any theft or unauthorized use of an account by a telephone numbers not listed above, visit our website at person to whom the account has been entrusted has been www.mastercard.com or call the United States collect at committed. 1-636-722-7111. Program Provisions for Mastercard ID Theft Account Information and Card Benefits: Protection: When in the United States, contact your card issuer directly This service applies only to you, the named Mastercard for account information and 1-800-Mastercard for card cardholder. You shall use due diligence and do all things benefits. When traveling outside the U.S., call Mastercard reasonable to avoid or diminish any loss or damage to Global Service to access your card issuer for account property protected by the program. The provider, Generali information or to access any of your card benefits. Global Assistance, relies on the truth of statement made in ATM Locations: the Affidavit or declaration from each cardholder. This service Call 1-877-FINDATM (1-877-346-3286) to find the location is provided to eligible Mastercard cardholders at no additional of a nearby ATM in the Mastercard ATM Network accepting cost and is in effect for acts occurring while the program is in Mastercard®, Maestro®, and Cirrus® brands. Also, visit our effect. The terms and conditions contained in this program website at www.mastercard.com to use our ATM locator. guide may be modified by subsequent endorsements. You can get cash at over two million ATMs worldwide. Modifications to the terms and conditions may be provided To enable cash access, be sure you know your Personal via additional Guide mailings, statement inserts, or statement Identification Number (PIN) before you travel. messages. Mastercard or your financial institution can cancel or non-renew these services, and if we do, we will notify you at least thirty (30) days in advance. If the Provider Mastercard Airport Concierge™ non-renews or cancels any services provided to eligible Your passport to the finer side of air travel. Mastercard cardholders, you will be notified within 30–120 Enjoy a 15% savings on Airport Meet and Greet services. days before the expiration of the service agreement. In the Arrange for a personal, dedicated Meet and Greet agent event substantially similar coverage takes effect without to escort you through the airport on departure, arrival or interruption,
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